Step-by-Step Insurance Payment Process

Person Filing Insurance Claim 

How to Handle The Insurance Payment Process

When an accident occurs, your first thought is to evaluate injury and damage to your vehicle or other property. After dealing with immediate concerns, you must notify your insurance provider. If it's your first time, you may be worried about what to do. Here is the payment process for a claim as it happens.

Contact the Insurance Provider

Your first step is to contact the insurance provider about the accident. You will want to report it as soon as it is safe, and you are physically able to do so. The provider will ask for the following information:

  • Make and model of the vehicle that is covered
  • Name of insured
  • Name of driver
  • Location of the accident and time it happened
  • Any other information you have on the other parties involved, such as name and insurance company
  • Names and contact information of any witnesses
  • Description of what happened in the accident

The insurance representative that you speak with will give you a claim number and phone number for future contact. Write everything down.

The provider will ask for a police report number. If you didn't contact the police for the accident, they will still proceed with the claim. If the police were called, but you didn't get a report, you can contact the police station and file a report.

An Insurance Adjustor Will Contact You

The insurance company will submit your claim and have it assigned to an adjuster. The adjuster will contact you to go over the details of the claim. They may have you contact the other person's insurance and get an estimate. Sometimes, the adjuster will want to perform an inspection and create their own estimate.

You will want to get a copy of the report from the insurance adjuster once it's been completed. It usually only takes a few days for the report to be ready. It should contain the information you provided.

Payment and Repairs

The insurance adjuster will let you know how much the company has approved for your repairs. They will deduct any deductible from this amount and either pay you or the collision center where the work will be performed.

The insurance provider may direct you to a specific body shop for your estimate and to have the repair work done, but you aren't obligated to follow their recommendations. You can choose your own shop for the repairs.

Bob Moore Collision Center works directly with your insurance provider. The team will take care of the paperwork and payment, so you don't have to worry about these details after your accident. Because they contact the provider directly, the team knows what work is covered and any requirements for parts and repairs to ensure you don't have to pay any extra out-of-pocket.

If you've recently been involved in an accident around Oklahoma City, Norman, or Tulsa, you can contact Bob Moore Collision Center for a free estimate. You can trust us to make the repairs and get your vehicle back to its prior condition.